I think I made a mistake of disputing too quickly a "new old" TL: Now how do I position next dispute? Quick History: Sunoco/CA (never on CRs) 4/99: Received Sunoco gas card ??/99: Deliquency started for $48 balance (argument over "promo billing") 6/2000: Went to CA; never contacted by CA 5/2001: On CRs; paid $48 to process mortgage 7/9/2003: Called CA; requested "Goodwill removal", CA AGREED! 7/2?-30/2003: Sunoco TL starts showing up on all 3 CRs (120/180 days) 7/30/2003: Disputed as "Not Mine" w/Experian 8/12/2003: Sent "DV" to Sunoco (CMRRR) 8/15/2003: Disputed as "Not Mine" w/Equifax & TU 8/17/2003: Experian "Investigation Results(on-Line): "REMAINS" 8/18/2003: CA TL DELETED from Experian! (my 1st true Deletion!) What should my next dispute w/Experian be? Should it be CMRRR or On-Line? Thanks All
Experian may not allow you to dispute it again online; they may not even allow you to dispute it again via mail... they are notorious for refusing to verify disputes once they have disputed it once for any reason.
Should I try w/Sunoco directly? Ask them why reporting now after all these years? Perhaps see if they can "verify" my account and status?....
It never hurts to try to dispute through Experian, however just be prepared to get the "ALREADY VERIFIED!" response, even if you would include contradictory documentation. Ok, I took a minute to think of a scenerio. Now, you write a letter certified to Sunoco disputing their CRA reporting. When the green card is returned, send a copy of the green card, and the copy of the letter to Experian with a dispute of anything other than Not Mine (whatever you use to dispute in the letter with Sunoco.) They should then send the letter of dispute and green card to Sunoco as well with their dispute (its still a 50/50 gamble as to whether they'll accept it, but it should prevent an immediate rubber stamping of verified by the OC.) You want to read the form letters for CRA disputes including a procedural request for the name and address of the PERSON who responded to the verification request.
